Help Paying Medicare Advantage Copays in St. Augustine, Florida
St. Augustine is the county seat of St. Johns County and the oldest continuously occupied European-established settlement in the United States. It is a major destination for retirees and has a large and growing Medicare-eligible population. St. Augustine is served by multiple ZIP codes including 32080, 32084, 32086, 32092, and 32095. Medicare Advantage plan availability is determined at the county level, so the plans available across these ZIP codes reflect the full St. Johns County plan market.
This page is an educational resource for St. Augustine Medicare beneficiaries. No recommendations are being made. Coverage varies by plan. Plan availability varies by ZIP code.
For a comprehensive overview, visit: Help Paying Medicare Advantage Copays — Main Resource.
Independent Medicare Broker — St. Augustine, FL
William Gray — The Medicare Dude
Serving St. Augustine and all of St. Johns County. Independent, educational Medicare guidance since 1998.
- FL License #W690237 · Agency License #L134055
- Independent — represents multiple carriers, not captive to any single plan
- No obligation. No pressure. Educational consultations only.
Medicare Advantage in St. Augustine
St. Johns County is one of the fastest-growing counties in Florida, and St. Augustine's Medicare Advantage market reflects that growth. Multiple national and regional carriers offer plans across the county. Major healthcare providers serving St. Augustine Medicare Advantage enrollees include Flagler Health+ (Flagler Hospital), UF Health, and Baptist Health, with additional specialist access in Jacksonville. Provider network participation varies by plan — verify that your preferred providers are in-network before enrolling.
An independent Medicare broker can compare the plans available in your specific St. Augustine ZIP code (32080, 32084, 32086, 32092, 32095) and help you understand how each plan's cost-sharing structure aligns with your healthcare needs.
Educational Information About Cash-Benefit Insurance
Some St. Augustine Medicare Advantage enrollees choose to explore separate supplemental insurance products that pay a cash benefit upon a covered event. These are not Medicare Supplement (Medigap) plans and do not replace Medicare.
Hospital Indemnity Insurance
Pays a fixed cash benefit upon a covered hospital admission. Benefits vary by policy. Eligibility, exclusions, limitations, and waiting periods may apply.
Hospital Indemnity Insurance — Full OverviewCancer Insurance
Pays a fixed cash benefit upon a covered cancer diagnosis or during covered cancer treatment. Benefits vary by policy.
Cancer Insurance — Full OverviewCritical Illness Insurance
Pays a lump-sum cash benefit upon diagnosis of a covered critical illness. Benefits vary by policy.
Critical Illness Insurance — Full OverviewRelated Pages — St. Johns County
Frequently Asked Questions — St. Augustine Medicare Advantage
What Medicare Advantage plans are available in St. Augustine, FL?
Multiple carriers offer Medicare Advantage plans in St. Johns County, including plans available across St. Augustine's ZIP codes (32080, 32084, 32086, 32092, 32095). Available plans, premiums, and cost-sharing structures change each plan year. Use the Medicare Plan Finder at Medicare.gov or speak with an independent broker to compare plans available in your specific ZIP code.
What hospitals serve St. Augustine Medicare Advantage enrollees?
Flagler Health+ (Flagler Hospital) is the primary hospital in St. Augustine. UF Health and Baptist Health systems are also accessible. Medicare Advantage network participation varies by carrier and plan — verify that your preferred hospitals and physicians are in-network before enrolling.
What is the out-of-pocket maximum for Medicare Advantage plans in 2026?
For 2026, CMS set the maximum allowable in-network out-of-pocket maximum (MOOP) at $9,350. Individual plans may set their MOOP lower. Once you reach your plan's MOOP, the plan covers 100% of covered in-network services for the rest of the calendar year. Coverage varies by plan.
What free Medicare counseling is available in St. Johns County?
The Florida SHINE program (Serving Health Insurance Needs of Elders) provides free, unbiased Medicare counseling. Call 1-800-963-5337 to reach a SHINE counselor who can help you compare plans, understand your benefits, and navigate enrollment periods at no cost.
When can I change my Medicare Advantage plan in St. Augustine?
The Annual Enrollment Period (AEP) runs October 15 – December 7 each year. Changes take effect January 1. The Medicare Advantage Open Enrollment Period runs January 1 – March 31 and allows one plan change. Outside these periods, changes are generally only permitted with a qualifying Special Enrollment Period.
Independent Medicare Broker — St. Augustine, FL
William Gray — The Medicare Dude
Serving St. Augustine and all of St. Johns County. Independent, educational Medicare guidance since 1998.
- FL License #W690237 · Agency License #L134055
- Independent — represents multiple carriers, not captive to any single plan
- No obligation. No pressure. Educational consultations only.
This page is for educational purposes only. No recommendations are being made. Coverage varies by Medicare Advantage plan. Plan availability varies by ZIP code. Hospital indemnity insurance, cancer insurance, and critical illness insurance are separate supplemental insurance products. They are not Medicare Supplement insurance and do not replace Medicare. Benefits vary by policy. Eligibility, exclusions, limitations, and waiting periods may apply. The Medicare Dude is a licensed independent Medicare insurance agency. FL License #W690237. Agency License #L134055.